655 Palm St, Mobile, AL 36607 Property Records

Mobile County property record for 655 Palm St, Mobile, AL 36607

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,371 sqft · built 1984
Lot Size	0.173 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$30,250 (Jul 2011)
Tax Bill	$717 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R022903074002063`

Property Details

APN / Parcel Number

Primary APN	`R022903074002063`
Alternative APNs	`29 03 07 4 002 063.XXX` `00712303` `712303`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,371 sqft Living Area
1st Floor Area	910 sqft
Upper Floors Area	576 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,500 sqft (0.173 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	230 sqft
Carport	Carport
Carport Area	230 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	621 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	712303
Street Address	655 PALM ST
City	MOBILE
State	AL
Zip	36607-1222
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 70 REV & EXT TO LIBERTY PARK MBK 4/66
Legal Range	04S
Legal Township	04S
Legal Section	07
Legal Subdivision	LIBERTY PARK
Legal Lot Number	70
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	3
Census Block	3021
Census Tract	2600

Owner

Source: Mobile County records, as of October 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3821 CONWAY DR S, MOBILE, AL 36608-1723
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Line of Credit SMARTBANK
Feb 9, 2022	Deed of Trust, Mortgage SMARTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2011 · Amount on Record
Deed Sale	Jul 13, 2011 · Amount on Record
Prior Sale	Apr 6, 2011 · Amount on Record
Deed Document Number	201137501
Deed Book / Page	6794 / 1302
Prior Transfer Date	Mar 17, 2011
Prior Transfer Doc	0000019652
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Recording Date	Jul 22, 2026
Property Address	655 PALM ST, MOBILE, AL 36607-1222
Document Number	0000043801
Instrument Date	Jul 8, 2026
Instrument	202643801
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	3719 SWANSEA DR, MOBILE, AL 36608-1779

Mortgage

Document Number	0000043801,
Date	Jul 22, 2026
Instrument	202643801

Lender

Name	SMARTBANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.52%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	655 PALM ST, MOBILE, AL 36607-1222
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3719 SWANSEA DR, MOBILE, AL 36608-1779

Mortgage

Document Number	0000010397
Date	Feb 9, 2022
Instrument	2022010397

Lender

Name	SMARTBANK
Type	Bank
Address	MOBILE, AL 36608

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Mobile County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Mobile County
Municipality	Mobile City
Unified School District	Mobile County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$717.00 (+0.7%)	$11,140 (+0.72%) Land $1,200 Building $9,940	$55,700 (+0.72%) Land $6,000 Building $49,700
2024	$712.00 (+1.14%)	$11,060 (+1.1%) Land $1,120 Building $9,940	$55,300 (+1.1%) Land $5,600 Building $49,700
2023	$704.00	$10,940 Land $1,120 Building $9,820	$54,700 Land $5,600 Building $49,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	79 (1978–2005)
Claims Outside the SFHA	16 of 79
Most Recent Claim	Aug 2005 · Hurricane Katrina
Claims by Event	Hurricane Georges, Sep 1998 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 98.4% of Alabama
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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